The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$60,032
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,900
−HK$1,897/mo
Today · 4.125%
HK$63,797
baseline
▲ 0.50% · 4.625%
HK$67,679
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,594/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,785
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,576
−HK$1,818/mo
Today · 4.125%
HK$70,394
baseline
▲ 0.50% · 4.625%
HK$74,104
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,788/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,039
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,280
−HK$2,276/mo
Today · 4.125%
HK$76,556
baseline
▲ 0.50% · 4.625%
HK$81,215
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,112/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,142
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,292
−HK$2,180/mo
Today · 4.125%
HK$84,472
baseline
▲ 0.50% · 4.625%
HK$88,925
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,944/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,045
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,660
−HK$2,656/mo
Today · 4.125%
HK$89,316
baseline
▲ 0.50% · 4.625%
HK$94,750
+HK$5,434/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,632/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,499
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,007
−HK$2,544/mo
Today · 4.125%
HK$98,551
baseline
▲ 0.50% · 4.625%
HK$103,746
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,102/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,058
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,419
−HK$3,415/mo
Today · 4.125%
HK$114,834
baseline
▲ 0.50% · 4.625%
HK$121,822
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,668/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,214
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,438
−HK$3,270/mo
Today · 4.125%
HK$126,708
baseline
▲ 0.50% · 4.625%
HK$133,387
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,416/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,898 · Scale 2, in force from 26 Feb 2026)